Bad Credit Blog

Dateline June 9th, 2008 - FoxNews.com reports that over 11,000 University of Florida students had their Social Security numbers posted online. They had been posted on the Internet for over a year and it was only discovered “accidentally.” The University has notified everyone except 570 former students that they can’t find. Bummer - what if you were one of those?

Just a few months back it was widely reported that NYC Mayor Michael Bloomberg had his identity stolen. It was reported that two men stole money from the Mayor, the first for $10,000 and the second for over $400,000. I believe that if the second party had not been so greedy he would have gotten away with it. Due to the size of the stolen checks the bank put a hold on them till they could be verified. Both were caught but many times they are not.

Can something like this happen to you ? The answer is YES! Can you prevent it from happening? YES!! You must protect yourself. Don’t depend on the government to do it - it won’t happen!

Waiting until it happens could be a potential mess for you! With your social security number and birthday you can have all the money stolen from your bank account. Credit cards issued in your name (and on your credit report), and even PROPERTY purchased in your name! A customer of my daughter’s at the car dealership where she worked had her identity stolen and the person actually BOUGHT A HOUSE with it! Try cleaning that mess up!

Our site offers two Cadillac of companies so you won’t become the next victim. LifeLock is the originator of identity protection. And they back it up with a million dollar guarantee. You won’t do better than that! We were going to tell you about all the things LifeLock does for you, but it’s really so much that it’s easier just to send you to their site to read it for yourself. My daughter and I both use their service.

We also highly recommend ConsumerDirect. ConsumerDirect members can reduce the interest rate on credit cards they already have, declare and recover from Identity Theft, negotiate debt settlements, dispute billing errors, manage privacy options and much, much more. And all without writing any letters or making any phone calls. Their service also enables members to improve their credit score by fixing credit report errors online. Just click what needs to be fixed and ConsumerDirect does all the work! Additionally ConsumerDirect will put a credit lock on your file so no one can apply without your consent.

Having bad credit is problematic enough without it getting ruined further through identity theft! Don’t let it happen to you. For around $10 to $15 a month you can protect yourself. It’s worth the money. Don’t delay! I’m sure that right now there’s about 10,000 University of Florida alumni scrambling to see if they have become victims of identity theft and wishing they had signed up for services like LifeLock or ConsumerDirect BEFORE their identities were published on the internet.

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

Sounds cliché I know. Save money for the holidays. But did you know that the average American will spend about $791.10 this year on holiday gifts (including food and decorations), according to a recent survey by the National Retail Federation?

What’s more, consumers will also plan to spend on average $99.22 on gifts for themselves!

If spending $890 isn’t in your plans (and don’t forget to add credit card interest to the total), it’s time to get smart before you get trapped. Here are some ways to save money during the upcoming holidays.

1. Try A Non-Traditional Tree To Save Money For Presents
   • Cut your own tree! If you live near a National Forest, contact your local Forestry Office to see if they sell Christmas Tree permits. My son lives in Northern California and his family does this every year. It’s cheaper than buying from a lot and you can make a family day of going out and picking your own Christmas tree!

This is not an endorsement of Christmas Tree farmers who let you cut a tree for yourself. Those places are usually more expensive in which case you’ll actually save money by going to the local WalMart shopping center and picking a pre-cut tree.

1. • Get a well-made artificial tree. All the major retail stores sell them and if you spend some time checking them out you can find some very realistic looking trees.

I bought one last year - an 8-foot tree for about $100.00. That sounds like a lot but if you figure the average real tree costs $40 to $50, this one is paid for in two years and could last a lot longer than that. If you take your time and look around (not just Target and WalMart) you can actually find trees that look so real it’s a little unnerving.

Here’s a tip: DO NOT buy the artificial trees with the built-in lights. The lights only last a season or two and they are too hard to replace so you end up throwing the whole tree out every couple years.

2. Brave The Post-Thanksgiving Crowds!
   • If you’re not faint of heart, you can actually save money by shopping the Friday after Thanksgiving according to Ellie Kay, author of several money-saving books, including The Debt Diet. Kay is a firm believer in bargain hunting and has done so for years. She says, “I often start at 5 a.m. and finish about 9 a.m. just in time for breakfast and a nice cup of coffee.”

Kay suggests that you shop strategically. “Plan your day in advance, and then read through the sales circulars on Thanksgiving so you’re well prepared. Be sure you know the store opening times, which often are as early as 5 a.m., and watch for the fine print regarding popular items such as ‘until stock runs out’ or ‘available to first 100 customers.’” If you have a bargain-minded buddy she also suggests you take them along. My wife had two of those that she loved to shop with. She said these friends could sniff out a bargain a mile away!

Thanksgiving sales are a great way to save money on holiday gifts, plus you get the first choice on some really nice gifts, not the “sloppy seconds” most stores have about a week before Christmas.

3. Use Up Store Credits And Gift Cards
   • I’ll bet you’ve wondered why gift cards are so popular with merchants. It’s not for your convenience but theirs - up to 70% of those are never used! Some of them expire after a certain date, which means the money is theirs to keep and you never actually purchased something. If you still have a gift card the holiday’s are a great time to use it before you forget about it again.

This is a great way to save money AND keep you on a budget! If your card is only good for $50 try to keep at or under this amount so you don’t dip into your own pocket.

4. Don’t Shop For Yourself
   • I know it’s tempting - the old Madison Avenue mentality, “You deserve it, you’ve been working hard.” Remember that National Retail Federation report that the average shopper will spend $99 on themselves. Take yourself off the list and save money. Wait until AFTER the holidays then take the gift cards you’ll probably get and use them on yourself with the after-Christmas sales!
5. Shop Early Online
   • This is a great tip if you know you will have trouble controlling your spending. Avoid the mall and do targeted online shopping. No need to wait till Thanksgiving, this type of shopping you can do all year and put the items away till the proper time.

Lots of online stores offer free or discounted shipping (plus most of the time you don’t have to pay sales tax). I just recently discovered that KBB toys would offer you $20 off or free shipping (whichever is cheaper) on your purchase if you agree to a 90 day billing. Who wouldn’t do that!

6. Keep A Running List Of Things You Want And Shop For Them Throughout The Year As They Come Up For Sale
   • Many times the perfect gift will be on sale after Labor Day for 50% off. You can save money by taking advantage of that and pocketing the difference. The same thing for After-Christmas sales - they are the same online as at the mall plus you avoid the temptation to over-spend.

Look for opportunities to save money and you will find them. Instead of paying full retail you can get them for practically wholesale and save money all year long.

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

Everyone knows it is very easy to get credit cards and into debt and why should you be any different than anyone else?

Everyone buys on credit! In fact if you survey most high school students you will find that they can hardly wait to turn 18 so they can get their first credit card. Then the real party begins!

So to help you along we’ve put together these handy steps so that you too can be broke by 25 - or before!

1. Before you can qualify for a credit card you will need a job. I know that’s a bummer but that’s the way it goes. Give a little get a lot (of credit) that is. So head out to your local fast food restaurant and get your application in!
2. Credit card applications arrive in the mail whether you solicit them or not. Pick one and fill it out and you are on your way! When they ask about income, fudge a little to make it easier. (Hey, everyone does, don’t they?)
3. Start buying all the toys and gadgets you have always wanted using your credit card (why pay cash when you can pay $20 a month for a new Wii?). But don’t max out your first credit card right away. If you do it will make it harder to get additional cards. Make extremely small payments on time so they don’t catch on that you want to apply for more and more and more credit.
4. Apply for additional credit cards (didn’t we just say that?) In fact get as many as you can! You can always transfer those balances to other cards while you learn to juggle.
5. In about six months you will have arrived! Make sure you have the yellow pages handy to look up a good bankruptcy lawyer. Hint: the bigger the ad, the better the lawyer (I think). Have fun!

Would you like to avoid bankruptcy?

If you’re tired to drowning in debt and need help NOW then read more on our site and find out how you can get out of debt, raise your credit score, and get the interest rates you DESERVE, instead of what you’re just darn lucky to get at all!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

Verbal Tricks Salespeople Use To Confuse You And Make You Think You’re “Getting A Deal”

Car negotiating is extremely stressful. What most people don’t realize however, is that “the grind” you go through is a tactic dealerships use, on purpose, to maximize profit from you!

As an ex-car salesperson (or is it a reformed car salesperson?) in Phoenix, I know the verbal tactics dealerships use during the car negotiating process to create confusion and diversion - designed to get you to say “yes” to buying that shiny new vehicle for the absolute most they can get out of you!

Here are the three most common verbal tricks salespeople use during car negotiating to confuse you and maximize their profit.

Verbal Trick #1 - “If I Could Get This Vehicle In Your Price Range”

Phrases like this are better known as giving you “hope for gain.” You hope that the price is right. You hope the payments fit your budget. Whatever your trigger is, the salespersons job is to focus in on that and give you hope that it can be achieved.
For instance:

Good news! You’re looking over the lot and you see the perfect truck. It’s low miles and clean inside and out. Bad news! It’s about $2,000 more than you’re budgeted for. The salesperson sees that you’re in love with this truck, so they ask, “if I could get this truck around the price you want would you buy it today?”

Naturally you think that the salesperson is offering to discount the vehicle. But pay attention to the words, “if I could.” A promise was NEVER made to discount the truck. In fact, nothing has been promised at all! You were given hope that the truck will be discounted to fit your budget, but never actually promised anything. And this is before any car negotiating has truly begun!

How To Counter This

1. Know what make, model, year, etc. you are looking for and basic prices by shopping online first. Better yet, work through. Get the vehicle you want without having to shop all over town. If you’re looking for a used car know the approximate resale values by looking in Auto Trader or at dealerships inventory online.
2. Get pre-approved! A lender like RoadLoans or HSBC Auto can pre-approve you and the check is sent overnight to you to use at any dealership. When you are pre-approved you know your budget and the salesperson won’t be able to convince you to purchase a higher priced vehicle.
3. DO NOT walk on a car lot assuming that the dealership will come down by $3,000 or $4,000 dollars during the car negotiating. Most cars today are not marked up that much. Ask for a discount of $1,000 to $1,500 and you should get it. This will leave $500 to $1,000 profit for the dealership (that’s reasonable) and you’ll get a good vehicle for a fair price.

Verbal Trick #2 - “If I Can Get Your Payments Around Where You Want Them Will You Buy Today?”

This “hope for gain” tactic usually happens during the second or third pass in the car negotiating process.

For example:

You are budgeted for $500 payments and tell the salesperson that up front (bad move by the way. Discuss payments LAST not FIRST when car negotiating).

The salesperson presents you with payments at $750 a month. You tell him that you can’t afford the car at that payment and reiterate your $500 budget. If you hold your ground during one or two more attempts to bump you by the salesperson they will usually ask, “If I can get your payments where you want them will you buy this vehicle today?”

Once again, listen to the words. A promise is NOT being made to get your payment exactly where you want it. Any good salesperson will tell you that the term “around” means $50 to $100 a month higher than you are asking for in payments!

How To Counter This

1. If you want to go purchase a vehicle from any dealership you choose the best thing you can do is get pre-approved from a lender like RoadLoans or HSBC Auto! Then crunch the numbers and see how much vehicle you can purchase to fit the payments you want BEFORE you go shopping. Why? Because by shifting interest rates or stretching payments the dealership can usually get within range of what you want for payments without discounting (or minimally discounting) the vehicle.
2. During the car negotiating process take each element of the sale piece-by-piece. Get them to agree to a purchase price FIRST. Then a trade-in value and finally lock in the payments - which should be easy if you are pre-approved.
3. Never talk about payments until the very end of the car negotiating process. If a salesperson asks you “how much you were hoping your payments to be?” don’t answer them. Just keep focused on the price of the vehicle. By diverting you to payments the salesperson can take your focus OFF how much they are charging you for the vehicle, the REAL value of your trade-in and the interest rate they are charging. Through interest rate manipulation, stretching payments or talking you into more money down they can reap a larger profit for themselves!

Verbal Trick #3 - “We’ll Pay Off Your Trade!”

The final hope for gain tactic during car negotiating goes something like this: “OK. Mr. or Mrs. Smith. Here’s the price of the car, and with your trade-in, tax and documentation fees, paying off your trade, your payment is $700 a month.”

Often you hear this phrase “paying off your trade” used in advertising. “Bring in your car - no matter what you owe - and we’ll pay it off!”

This word trick is designed to make you think the dealership is offering you exactly what you owe on your trade-in vehicle - no matter what it’s actually worth! So, with a subtle phrase they leave you with the impression that if you owe $14,000 on a car that’s worth $10,000 they will give you $14,000 for it anyway.

Here’s what they are really saying:

Your trade-in will be paid off, by using what they give you in trade, and rolling the remaining amount into your new car loan. When the money comes from the lender for your new vehicle, the dealership will “pay off your trade” by mailing them a check!

How To Counter This

1. Know what your trade in is worth. A simple visit to Kelley Blue Book or Edmunds will give you an approximate value of your trade-in. Keep in mind that these are estimates only and actual values may vary by market. But if during car negotiating the dealership is offering you thousands less than Kelley Blue Book says your vehicle is worth walk out of that dealership - fast!
2. Keep focused on the price of the car and the actual amount they are offering you for your trade while car negotiating. Instead of focusing on payments, which can be manipulated based on lowering the interest rate and stretching the payment out, negotiate on the price and real trade-in value.
3. Get pre-approved. Once again, pre-approval from a major RoadLoans or HSBC Auto is your best bet. This way you know exactly how much you can spend on a car and what your payments will be. It takes the dealership out of the drivers seat and puts YOU in it!

Don’t be fooled by word tricks! Listen to what is being said and get everything in writing! Most importantly - Get pre-approved! This one thing will truly put you in the drivers seat during negotiation!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

Why Dealerships Use Them And How They Are Designed To Confuse You

When it comes to car negotiating, car salespeople are masters in the art of diversion. Using tricky phrases or writing on paper with arrows and cross-offs, all designed to confuse you and take your mind off the bottom line - the actual purchase price of the car!

As an ex-car salesperson (or is it a reformed car salesperson?) in Phoenix, I know the car negotiating tactics dealerships use for confusion and diversion - designed to get you to say “yes” to buying that shiny new vehicle for the absolute most they can get out of you!

So what exactly are these tricks and how can you counter them and keep the control in your court? That’s what this article is all about. Let’s get started . . .

So, you’ve found the vehicle you want and you’re ready to start the car negotiating process. The salesman takes out a piece of paper and draws a large plus sign on it. This is called the “four square.” In the first square he writes the sticker price of the vehicle. In another square he writes your down payment. Then he leaves to “talk with his manager” assuring you he’s going to work you a great deal!

After making you wait what seems like an eternity (another tactic designed to make you anxious) he comes back with a big grin on his face and says “good news!” and puts down the paper. The remaining two squares are filled in with the trade value and payments.

This is where things quickly begin to go south in the car negotiating process. The trade value is usually WAY TOO LOW and the payments are WAY TOO HIGH.

Don’t be fooled! This car negotiating tactic is designed to throw you off balance. The salesman’s job at this point is to get a signed commitment “bumping” you up from the original down payment and payments you want.

Here’s how he does it:

You’re looking at his sheet and getting nervous thinking you can’t afford this vehicle! Then he asks you, “What payments were you hoping to get?” Or “What were you thinking your trade-in was worth?” These phrases are designed to plant doubt in your mind. Maybe you thought your trade-in was worth more than it is . . . Maybe the payments you want are not reasonable for this vehicle . . . maybe you need more money down.

For instance:

He says you can purchase the vehicle for $700 a month and you wanted $500. You think you’re miles away so you say, “Well . . . . I can afford $570 if I budget myself.” So, already you’ve come up a bit more than you already wanted.

Also, during this phase of the car negotiating process he’s taken your focus OFF the primary goal - the PRICE of the vehicle you want to purchase! Now, instead of talking “purchase price” - which translates into less profit for him, he’s got you looking at “payments” - which translates into more profit for him because he can control those through stretching the term or changing the interest rate, without touching the price!

Taking the “four square” sheet he writes down $570, then asks the next question “Up To?” Meaning, $570 to $600 maybe? So, the salesman writes down something like “I will buy and drive right now for $570 to $600 a month” and asks you to sign it. Then he goes back to “talk to his manager.” So you see, already he’s bumped you up by $100 a month, and hasn’t even discounted the vehicle yet!

You’re thinking, well, to get to that payment he’s going to have to come up in trade value (which is usually about $1,000 to $2,000 more than he quoted you) or come down in price (which is a last resort). But even if he comes up in trade value, he’s low-balled you on it anyway, so he still hasn’t LOST any real profit. And the truth is, YOU haven’t even begun car negotiating because HE is controlling the entire situation!

After waiting another eternity (another car negotiating trick) he comes back with more “Good News!” He’s gotten his manager to increase your trade-in (or discount the car) by $1,000! Wowee! This lowers your payments down to $675! And it’s all written nicely on the four square sheet and circled and initialed by the manager to look official.

Now you’re starting to get tense and a little overwhelmed. You state that you just can’t afford that payment and start to get up. The salesman sees his commission going out the window and stops you. He says, “If I could get the payments around where you want them will you buy the vehicle?”

Listen to the words again, “around where you want them.” In car negotiation-speak this translates into about $35 to $50 more than you’ve already committed to.

At this point he whips out his sharpie pen and starts drawing circles. Saying things like, “Well, to get payments around where you need them we need to come up in trade or down in price. I need to talk to my manager and see what he is willing to do to sell this vehicle. Obviously we’re a long ways apart.”

Here he’ll start drawing arrows from payments to trade-in, etc. He’ll write down your payment ($600, NOT $570) and then he’ll circle it, and cross it off (another car negotiating trick: subtle implication, don’t count on it buster).

This is where the second “bump” comes in. He’ll say, “If I can get my manager to come up in trade or down in price, can you come UP in down payment? Remember, each $1,000 down equals about $25 in payments (which isn’t necessarily true).”

Once again, focus is OFF the price of the car and ON the payments, which can be controlled through interest rates and stretching them out! You’re still at or around full sticker AND your trade has been undervalued by probably $1,000 (still), and you’re growing more tense by the minute - which hampers your ability to focus.

So you say, “well . . . we can give you an additional $1,000 if we eat dog food for a month.” And he writes that down.

Then he scribbles another “commitment” on the paper and asks for your signature. By now the “four square” is looking a little ragged with numbers and arrows and slash marks everywhere. You’re thoroughly confused and tense thinking that maybe you can’t afford this car - and you really want it!

In terms of car negotiating he’s got you right where he wants you. He’s bumped you up in monthly payment, up in down payment, he’s still holding back on the trade value (if it’s worth $2,000 and he gives you $1,000 - that’s considered an additional $1,000 profit for him too), AND he hasn’t touched, or only slightly touched, the price of the car!

I could go on and on and on about these car negotiating tactics. Suffice it to say, they are designed to confuse you, sell you the vehicle for it’s full price and steal your trade for less than it’s really worth. At some point a sales manager steps in and pressures you to increase your down payment or monthly payments also. And by this time you’re tense, excited, nervous, and who knows what else!

So, how do you keep the ball in your court and control the situation?

First and foremost - Get pre-approved! A lender like RoadLoans or HSBC Auto can pre-approve you and the check is sent overnight to you to use at any dealership. This is the easiest way to take the wind out of their sales. When you are pre-approved it puts you in the drivers seat because YOU control the negotiating on the PRICE of the vehicle and the VALUE of your trade-in.

Shop online first! Better yet, get pre-approved from a lender like RoadLoans or HSBC Auto who will connect you directly with a dealership that will work with you and not jerk you around. This way you’ll be working one-on-one with a single salesman and he’ll know up-front what you can afford and help you accordingly.

Know your trade-in value. Visit Kelley Blue Book, Edmunds, or check out your local Auto Trader to see what similar vehicles are selling for. Then hold them to that value no matter what! Often lenders who pre-approve you will also give you a good estimate of your trade-in value to help you when car negotiating.

Once pre-approved, don’t let the dealer talk you into “pulling your credit to see if he can get you a better interest rate.” Once again, this puts the ball in their court because with another lender perhaps they can lengthen payment terms and lower your monthly payments without discounting their vehicle.

Shop with a friend or someone who is a good negotiator. Then - listen to them when they give you advice about what to do or say!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

I was talking to a friend of mine the other day. I knew he was deep in credit card debt. When I enquired how things were going with his New Years Resolution to get out of debt he hemmed and hawed and finally told me it wasn’t going very well.

They were supposed to sit down and make a Simple One Month Budget but his wife and he just never seem to get around to it. Confidentially I know it’s because he thinks if they budget their money they won’t have the freedom they think they have now to buy things when they want them. But the truth is, by having so much credit card debt they are never really free at all.

They can’t take any big, fun vacations with the kids. They want to own a home, but can never save for a down payment. And getting a new car is not anywhere in the near future because they don’t have any money to spare on a car payment.

So they fill themselves up with TV’s they don’t need, clothes that don’t get worn, etc. etc.

This got my wheels spinning because I have been in credit card debt in the past; maybe you have too and can identify with what I’m about to say. Here are some of the dumbest reasons for NOT getting out of debt.

1. Our credit card debt is all (his or her) fault. Money is the #1 reason for divorce in this country. Instead of taking personal responsibility they play the “blame” game. One of you needs to provide some financial leadership. It’s not always the man’s job (or woman’s). It’s whichever has the best head for money management. The other partner needs to cooperate.

2. Credit cards are the only way that I can get what I need. (Translated: want). What is really needed is a budget. We have provided both a Simple One Month Budget and a 12 Month Budget that are guaranteed to work if you really want to get out of credit card debt. If you are in too deep then try a credit counselor. Credit counselors will structure your debt so that you’re debt free in three years. How great would that be!

3. Spending makes me feel good. I love being spontaneous! I’m not a psychologist but I have read of people that get a high from spending. There’s also a section of people who get the same feeling from shoplifting. If you fit this get professional help. Someone once told me that they feel “free” when they spend. They are lying to themselves, they are not free, but rather a slave. Don’t be foolish!

4. If I get too deep, I’ll get another credit card with 0% and transfer the balance. Well, duh! That’s so unintelligent that I won’t comment!

5. I’m not paying “that” much in interest. Oh, really! If you run an average credit card bill of $6,000 and if that amount remains level for a year and your interest is 21% which is average for this type of person, you are spending approximately $1500 in interest charges alone! AND that’s just for one year of credit card debt. Einstein’s definition of insanity is “doing the same thing over and over expecting different results”. Still think you don’t need help (LINK)

6. I don’t think I can ever afford to retire; besides I love my work. I’m not sure our Creator ever intended us to completely retire as we see it done today. But consider what would happen to you or your family if a disaster should happen. You’ve got to have an emergency fund, otherwise you’re just one paycheck away from being homeless!

7. I’ve had credit cards so long now that I don’t think I can live without them. You can and you must if you ever want to be free. There is nothing wrong with using a credit card occasionally for an emergency. However a night out is not an emergency. If you can’t handle a credit card responsibly, then don’t carry one.

Let me make a confession; When it comes to credit card debt I am no different than you, so I don’t carry my credit cards. I carry a debit card only most of the time and always know exactly how much I have in my checking account so I don’t overdraw. I know all too well the lure of “free money.” But using credit cards obligates you to spend a portion of your pay each month to pay those cards off. Money you could use for a lot of other things!

If you need help with your credit card debt we have it. Our site is dedicated to helping people with bad credit get the help they need. Don’t keep fighting month after month to just keep up with the bills. Take some simple steps right now to start paying them off completely and you’ll find that the real adrenaline rush comes from having extra money in your pocket (and bank account)!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.